This home is in Jacksonville.

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Active·1 day on market

5454 River Trail Road S

Jacksonville, FL 32277

$460,000$169/sqftEst. $2,448/moMLS# 2151445

Beds

Baths

2,718

Sq Ft

1975

Built

Garage

Yes

Pool

About this home

Jacksonville

This is a truly unique WOW house. This home features a modern design on .691 acres, all new impact windows, thoughtful updates including flooring, fresh paint, refinished cabinets, newer pool enclosure, newer hot water heaters, and a water softener. The absolutely magnificent garden-wonder rear yard is the true highlight featuring stunning landscaping, a screened pool, extended covered patio, a serene pond with fountains, and a deep artesian well with pump that fills the pool and runs the landscaping sprinklers. Inside you'll find a living and dining area with pool and yard views, kitchen/family room with high ceilings, fireplace, breakfast bar, new dishwasher, wine chiller, and big walk-in pantry. Larger than average bedrooms, separate office/workshop off the family room, spacious closets throughout completes the picture. Robust 400-amp electrical service with new panel delivers twice the power of a standard home, solar panels that help fund the home's energy, Sauna, and 2014 roof!

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,448

Principal & Interest: $2,448

Est. Taxes & Insurance: $612

Estimated Total Monthly

$3,060

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,448

Property taxesest. at asking price, Duval County$751

HOAbilled annually$23

Estimated total, before insurance$3,222/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$389,261	$156,785	—
2024	$380,408	$150,250	▲ $17,224
2023	$376,027	$142,962	—
2022	$346,138	$135,886	—
2021	$271,895	$129,016	—
2020	$257,829	$150,855	—

2025 property taxes (current owner): $3,686/yr

Estimated taxes if purchased at asking price: ~$9,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2014 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,683 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History